Side-by-side · Q2 2026 data
The Central Trust Bank vs Our Lady of Snows Credit Union
Credit union
Our Lady of Snows Credit Union
Henley, Missouri · Under $100 million in assets
Metric by metric
| Measure | The Central Trust Bank | Our Lady of Snows Credit Union |
|---|---|---|
| TellerScore | 69 | 96 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 64 | 96 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 69th | 97th |
| Total assets | $20.3B | $4.6M |
| Deposits / shares | $16.4B | $3.9M |
| Capital ratio | 7.94% | 15.27% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.99% (stronger) | 1.55% |
| Loans ÷ deposits | 70.4% | 63.8% (stronger) |
| Uninsured deposits | 38.4% | 0.0% (stronger) |
| Offices | 150 | 1 |
| CFPB complaints (3 yrs) | 97 | — |
| Complaints per $1B deposits | 5.9 | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
Our Lady of Snows Credit Union has the higher TellerScore (96 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Central Trust Bank leads on 1 and Our Lady of Snows Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.